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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Friday, July 04, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.125%)
Points/ Credits$16
Payment$1,944
Save $48,659 over 30 years

Wells Fargo

Rate6.625% (APR=6.792%)
Points/ Credits$10,875
Payment$2,049
Save $0 over 30 years

Assumptions: Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Chase

Rates as of Friday, July 04, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.25% (APR=6.299%)
Points/ Credits$410
Payment$2,196
Save $18,675 over 30 years

Chase

Rate6.625% (APR=6.736%)
Points/ Credits$2,853
Payment$2,241
Save $0 over 30 years

Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Citibank

Rates as of Friday, July 04, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6%)
Points/ Credits$0
Payment$899
Save $18,765 over 30 years

Citibank

Rate6.5% (APR=6.692%)
Points/ Credits$1,125
Payment$948
Save $0 over 30 years

Assumptions: Purchase price: $200,000. Loan amount: $150,000. ZIP code: 90001, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Bank of America

Rates as of Friday, July 04, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6.001%)
Points/ Credits$27
Payment$1,199
Save $31,219 over 30 years

Bank of America

Rate6.625% (APR=6.857%)
Points/ Credits$1,726
Payment$1,281
Save $0 over 30 years

Assumptions: Purchase price: $250,000. Loan amount: $200,000. ZIP code: 95464, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Guaranteed Rate

Rates as of Friday, July 04, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.137%)
Points/ Credits$455
Payment$2,127
Save $26,177 over 30 years

Guaranteed Rate

Rate6.4% (APR=6.794%)
Points/ Credits$4,312
Payment$2,189
Save $0 over 30 years

Assumptions: Purchase price: $437,500. Loan amount: $350,000. ZIP code: 60666, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Better.com

Rates as of Friday, July 04, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6.001%)
Points/ Credits$21
Payment$959
Save $17,219 over 30 years

Better.com

Rate6.375% (APR=6.574%)
Points/ Credits$3,200
Payment$998
Save $0 over 30 years

Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit: 760+. Single Family Residence. Primary Residence. 30-day lock

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